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Crypterium card review

Get a crypto debit card from this crypto exchange and wallet for easy crypto asset management.

Crypterium’s mission is to be a crypto bank by making it easier for people to spend and use cryptocurrency just like fiat. The wallet offers a variety of features that a conventional bank does, such as sending and receiving money, instant payments, fiat integration, and zero transaction fees for in-app transfers. It also offers a Crypterium card that you can use to spend your crypto.

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2%

Deposit fee

€3 + 1.6%

Withdrawal Fee

Up to 15.6%

Yield rate

Details

Product NameCrypterium
Yield rateUp to 15.6%
Deposit fee2%
Withdrawal Fee€3 + 1.6%
Annual percentage yield (APY) BTC4.2%
Annual percentage yield (APY) ETH4.2%
Free ATM withdrawal limitN/A
Fee Amount€2.99
More Info
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Pros and cons

Here’s an overview of Crypterium’s standout features and shortcomings.

Benefits
  • Easy-to-use app from a provider registered with the Financial Conduct Authority
Drawbacks
  • High withdrawal and top-up fees

How to apply for a Crypterium card

  1. You can order a Crypterium card in just a few minutes.
  2. Download the Crypterium app and create an account.
  3. Once in the app, look for the Card logo somewhere at the bottom and tap to order the card.
  4. You’ll be shown options for ordering a virtual card, a plastic card or both. Tap on the “Order the plastic” option. You’ll need to pay €14.99 to have the card delivered to your home address, which you’ll need to supply.
  5. If you haven’t already done so, you’ll need to complete the verification process to prove your identity and address.
  6. Select your payment method (for the card delivery fee).
  7. Once you hit “Pay” and your card request is approved, you will be prompted to activate your card.
  8. After you activate your card and you receive your card in the post, you can begin using it.

How does the Crypterium card work?

The Crypterium card allows you to deposit crypto from your wallet onto the card and use it to pay for goods and services in fiat. A little like a traditional prepaid card. It is available for free from the app, and you can choose between a virtual card, a plastic card, or both. There’s no monthly fee provided you spend at least €299 or more on the card every month. If you want a physical card, you’ll pay a delivery fee of €14.99 and a 2% loading fee. On top of that, there’s a 2.5% foreign transaction fee and a €0.25 fee when making an online or Apple Pay payment. More details on this in our fees and limits table below.

Compared to other crypto cards on the market, the Crypterium card is available in many countries including Ireland, making it a versatile choice for people with limited payment options. However, the fees are extortionate, and there is no cashback on purchases or perks like Netflix and Amazon. Also, it may not be the ideal choice if you are not spending more than €299 per month on the card as you’ll have the €2.99 monthly maintenance fee to pay.

Main benefits of the Crypterium card

  • Digital assets in your Crypterium wallet are 100% insured
  • Highly effective security safeguards, including two-factor authentication, password, and encryption
  • Instantly freeze or unfreeze the card
  • €0 monthly maintenance fees as long as you spend at least €299 or more each month

Main drawbacks of the Crypterium card

  • Charges high fees for all ATM withdrawals and top-ups
  • Poor customer support

How does the Crypterium card compare to a traditional debit card?

With your Crypterium wallet linked to your Crypterium card, you can easily transfer your crypto into euros. Something you can’t do with traditional prepaid cards. That said, there are no perks with the Crypterium card or any offers of cashback. Top-ups to the Crypterium card will set you back 2% each time.

How experienced do you need to be with crypto to use the Crypterium card?

Crypterium is a good choice for traders looking to manage their crypto assets via a secure wallet that also makes it easier to spend or transfer funds to other users. However, the Crypterium card may be a little more basic compared to others on the market.

What cryptocurrencies can I use with Crypterium?

Crypterium supports close to 20 cryptocurrencies including:

  • Bitcoin
  • Ethereum
  • Litecoin
  • USD Coin
  • Tether
  • Crypterium
  • Ripple
  • Maker
  • Qash
  • Dash

Is the Crypterium card safe?

Crypterium is a “hosted wallet” meaning that while your wallet is connected to the internet, Crypterium keeps the private keys securely offline. It is hosted by BitGo – a US regulated crypto custodian firm best known for its multisignature technology for securing wallet transactions. In addition, the wallet is protected by high level security systems commonly offered by banks – this is one of the reasons why Crypterium is often regarded as a ‘cryptocurrency bank”.

All crypto assets purchased within the platform are fully insured – implying that users will be compensated in the event Crypterium’s servers are compromised.

Where can you use the Crypterium card?

You’ll be able to use your Crypterium card anywhere in the world where you see the Visa logo.

Fees and exchanges rates

<td€3 + 1.6% of the withdrawal amount

Type of fee/limitAmount
Card delivery fee€14.99
Monthly maintenance fees€2.99 or €0 fee if you load the card with €299 or more each month
ATM withdrawal fee
Foreign exchange rate fee2.5%
Balance enquiry fee€1
Card load fee2% of load amount
ATM monthly withdrawal limit€2,500
Online purchases€0.25 per transaction
Apply Pay€0.25 per transaction
Daily spend limit€2,500
Monthly spend limit€5,000
Daily load limit€5,000

Verdict

Don’t expect any perks with the Crypterium card. Yes, it aims to make spending your crypto easier by linking your Crypterium wallet directly to your Crypterium card. But you’ll pay for the privilege. The high fees you’ll pay for withdrawals and top-ups should make you want to do some research and compare your options.

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Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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